Built on Real Business Lessons
We started calyvonteris in 2019 after watching too many businesses struggle when unexpected costs hit. Not because they weren't good at what they did, but because nobody taught them how to prepare for financial surprises.
Where This Started
Back in 2018, I was consulting for a landscaping company in Brisbane. They'd just landed a massive contract. Everything looked perfect on paper. Then their main truck died, a supplier raised prices by 30%, and two staff members left in the same week.
The owner had never built a contingency budget. Within three months, they were considering bankruptcy. That's when it clicked for me – most business education focuses on growth, not survival.
So we built calyvonteris differently. We teach the unglamorous stuff that keeps your business alive when things go sideways. Because they will go sideways eventually.
How We Actually Teach This
Start With Your Real Numbers
No theoretical exercises. You bring your actual business data. We work through scenarios using your real expenses, your actual cash flow patterns, your specific industry risks.
Build Buffers That Make Sense
Everyone says "save six months of expenses." But what does that mean for a seasonal business? Or a startup? We figure out what buffer size actually works for your situation.
Test Before Crisis Hits
We run simulations. Equipment failure, client payment delays, supply chain disruptions. You practice making decisions without real money on the line.
Adjust As You Go
Your contingency plan from six months ago might not fit today. We teach you to review and update quarterly, not just file it away and forget it exists.
What Drives Our Work
Honest About Limitations
We can't predict the future. Can't guarantee your business won't face problems. What we can do is help you prepare better than you would on your own.
Practical Over Perfect
A contingency plan you actually use beats a perfect spreadsheet you never look at. We focus on systems that fit into how you already work.
Context Matters
Retail contingency planning looks different from hospitality. Darwin businesses face different risks than Melbourne ones. We account for that.
Who's Teaching You
Rhiannon Kelleher
Lead Financial Educator
Spent twelve years as a business accountant before joining calyvonteris in 2021. Watched hundreds of businesses struggle with unexpected costs. Now focuses on teaching proactive financial planning instead of crisis management. Based in Darwin, works with businesses across the Northern Territory and beyond.
The Learning Experience
Assessment Phase
First few weeks, we map your current financial situation. Where's your money going? What are your fixed costs? What seasonal patterns exist? No judgment, just data.
Scenario Building
We identify what could disrupt your business specifically. Not generic risks – your actual vulnerabilities based on your industry, location, and business model.
Plan Construction
You build your contingency budget with our guidance. Decision trees for different scenarios. Clear triggers for when to activate each part of your plan.
Implementation Support
The hardest part is actually using what you built. We check in quarterly for the first year, help you adjust as your business changes.
Our Promise To You
We won't promise that you'll never face financial challenges. But we will teach you to spot problems earlier, respond faster, and recover stronger than if you'd faced them unprepared.
Talk About Your Situation